ERISA requires plans to provide participants with plan information including important information about plan features and funding; provides fiduciary responsibilities for those who manage and control plan assets; requires plans to establish a grievance and appeals process for participants to get benefits from their plans; and gives participants the right to sue for benefits and breaches of fiduciary duty. Attorneys may represent employees or they may represent the company in the design, preparation, and review of plan, trust, and employee communication documents to implement pension, profit sharing, employee stock ownership, fringe benefit, flexible benefit, and all types of employee welfare plans.
Spencer is a city in Clark County, Idaho, United States. The population was 38 at the 2000 census. The city is noted as being the "Opal Capital of America". Travellers passing through Spencer along I-15 may stop to purchase rough or polished opal at one of the many local shops. The mine is located 5–6 miles outside of town. Spencer opal is polished into cabochons known as singlets, doublets or triplets. Singlets are the most prized of the Spencer cabs, because they are the most difficult to create as the color usually shows best when backings are used . Usually, finished Spencer opal will come with one backing (doublet) or with a backing and quartz dome (triplet). Finished Spencer opal are among the most spectactular opals in the world, rivaling the best Australian opal.